Specialist Fine Art Insurance
In such a specialized field as fine art insurance, there really is no substitute for knowledge and experience.
Whether personal or commercial, every fine art client has unique requirements.
What makes us different?
At Howden we have deep expertise and a rich heritage in creating bespoke insurance solutions for galleries, museums, collectors, auction houses, dealers, universities and financial institutions internationally. Our leading reputation within the market has been built on delivering outstanding service and forming enduring relationships with clients.
400+
Years of combined experience shared throughout the different generations across the team
30+
Specialists in fine art and specie insurance
100+
Claims of various sizes settled per annum
$3.5bn+
Fine art risk capacity in the Llyod's market
Every client is treated individually
We leverage strong insurer relationships to solve complex scenarios, large or small, and place from US$5M to multi-billion limits on tailored wordings.
What we cover?
Our fine art team designs bespoke cover, which can include the following:
- All risks of physical loss or damage
- Repair costs and loss in value
- Natural catastrophes
- Nail to nail coverage for exhibitions
- Furniture, fixtures and fittings of the gallery or museum
- Defective title
- Agreed value for pairs of items, when one of a pair or set is lost or damaged
- First loss coverage basis
- Difference in conditions or limits